| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 2.48% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 5.28% |
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD, SUITE 625 ELK GROVE VILLAGE, IL 60007 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.11% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $926 | $926 | 0.51% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | $0 | $36K | 20.50% |
| DAVID STREICH3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.21% |
| PEOPLE ETC LLC3 Filed as: PEOPLE ETC, LLC | 275 EAST COURT STREET, SUITE 201 KANKAKEE, IL 60901 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $987 | $0 | $987 | 0.56% |
| MAIA LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.02% |
| ERIKA M TORRES3 Filed as: ERIKA M. TORRES | 10805 LACROSSE AVENUE OAK LAWN, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.01% |
| JOHN A FRIAS3 Filed as: JOHN A. FRIAS | 1913 NORTH WASHINGTON STREET WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.01% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.83% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 2,025 | $561K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 945 | $398K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,025 | $356K |
| Long-term disability | NORTHWESTERN MUTUAL | 1,939 | $0 |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,939 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,025 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.